It's Seth's birthday but Nancy decides he "has" to share it with her and lo and behold before the boy even had a chance to have any himself she gets first serve of the pancake and the spread. I wonder if she realises what she's doing?
Also re having a mortgage etc, Ryan is clearly a stereo typical Yorkshire man. Tight and doesn't wanna spend his money. Oh wait he's happy to purchase a totally impractical electric car, pay for tax MOT , insurance, electricity to charge it ,but he doesn't want to spend money on a house. Selfish much. As someone in the comments said he should have thought about the cost and taxes of buying a house in France before uprooting his family. We all have bills to pay. That's just life. If you use gas and electricity you have to pay for it. If you value your house and contents you insure it. Simple. I think he's a very selfish man. He's been sucked in by some social media bullshit about not getting into debt. Unless it's a car of course. Fern clearly doesn't have a say. He shouts her down.
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Also , to add, as per the comments section, a house is only a drain if you're living beyond your means. Renting in the private sector is fine while you can make the rent but what happens if Ryan couldn't work? Or work dried up? Yes of course with an owned house he'd still have a bills but he would still have a roof over his and his family's head. He's thinking like a single man and not a father of two.